Mutual Federal Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio dropped 6.46 percentage points in Q2 2026, from 138.27% to 131.81%. It was the largest change from Q1 2026 among the key lines here. Mutual Federal Bank has the highest loan-to-deposit ratio of the 323 banks headquartered in Illinois, 131.81% as of Q2 2026. Mutual Federal Bank's loan-to-deposit ratio of 131.81% is well above the 67.62% median for banks in the < $100M asset tier, a gap of 64.19 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $83.7M |
| Net loans and leases | $82.5M |
| Loans held for sale | $0 |
| Loans to total assets | 86.78% |
| Loan-to-deposit ratio | 131.81% |
| Net loans to equity capital | 5.17% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 4.97% |
| Multifamily (5+ residential) | 16.86% |
| Commercial and industrial | 0.00% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 96.18% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.64% |
| Interest income on loans | $1.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $90.3M | $66.8M | 3.57% | 0.00% | 0.00% |
| Q4 2023 | $85.9M | $69.4M | 3.72% | 0.00% | 0.00% |
| Q1 2024 | $85.3M | $69.5M | 3.55% | 0.00% | 0.00% |
| Q2 2024 | $82.9M | $69.1M | 3.63% | 0.00% | 0.00% |
| Q3 2024 | $80.2M | $64.3M | 3.73% | 0.00% | 0.00% |
| Q4 2024 | $85.1M | $63.4M | 3.48% | 0.00% | 0.00% |
| Q1 2025 | $85.8M | $63.2M | 3.83% | 0.00% | 0.00% |
| Q2 2025 | $84.9M | $63.6M | 3.58% | 0.00% | 0.00% |
| Q3 2025 | $83.8M | $62.5M | 3.06% | 0.00% | 0.00% |
| Q4 2025 | $86.3M | $63.1M | 2.95% | 0.00% | 0.00% |
| Q1 2026 | $86.4M | $62.5M | 4.13% | 0.00% | 0.00% |
| Q2 2026 | $83.7M | $63.5M | 4.97% | 0.00% | 0.00% |
Mutual Federal Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Mutual Federal Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Mutual Federal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28302) · FFIEC NIC profile (RSSD 235174)